Banca TransilvaniaLTS:0DP9 78 PB Ratio is 0.11 as of Jul. 04, 2026, which is 93% below its 10-year median of 1.51. GuruFocus rates LTS:0DP9 with a GF Score™ of 78/100 and a GF Value™ of lei1.66 (Possible Value Trap). The stock has 8 warning signs investors should review. Among 1,517 Banks companies, Banca Transilvania ranks worse than 90.44% on this metric.
Banca Transilvania SA stock PB Ratio (=2.13) is close to 10-year high of 2.14.
The historical rank and industry rank for Banca Transilvania's PB Ratio or its related term are showing as below:
LTS:0DP9'
s PB Ratio Range Over the Past 10 Years
Min: 1.02 Med: 1.51 Max: 2.14
Current: 2.13
During the past 13 years, Banca Transilvania's highest PB Ratio was 2.14. The lowest was 1.02. And the median was 1.51.
LTS:0DP9's PB Ratio is ranked worse than 90.44% of 1517
companies
in the Banks industry
Industry Median: 1.1
vs LTS:0DP9: 2.13
During the past 12 months, Banca Transilvania's average Book Value Per Share Growth Rate was 14.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 35.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 19.40% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 12.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Banca Transilvania was 35.90% per year. The lowest was 0.30% per year. And the median was 9.70% per year.
Back to Basics: PB Ratio
Banca Transilvania (LTS:0DP9) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Banca Transilvania PB Ratio Related Terms
Banca Transilvania PB Ratio Historical Data
* Premium members only.
The historical data trend for Banca Transilvania's PB Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Banca Transilvania's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Banca Transilvania PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Banca Transilvania's PB Ratio distribution charts can be found below:
* The bar in red indicates where Banca Transilvania's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Banca Transilvania (LTS:0DP9) has a PB Ratio of 0.11 as of Jul. 04, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Banca Transilvania and its competitors. This is 93% below median its historical median of 1.51. Over the past decade, Banca Transilvania's PB Ratio has ranged from 1.02 to 2.14. According to the industry distribution chart, Banca Transilvania ranks #1372 out of 1517 companies in the Banks industry, placing it in the top 90.4%.
Is Banca Transilvania's PB Ratio too high?
Banca Transilvania's current PB Ratio of 0.11 is 93% below median its 10-year median of 1.51. Over the past 10 years, this metric has ranged from a low of 1.02 to a high of 2.14. The Banks industry median PB Ratio is 1.10. Banca Transilvania's value of 0.11 is 90% below this industry median. Based on the distribution chart, Banca Transilvania ranks #1372 out of 1517 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Banca Transilvania has a GF Score™ of 78/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Banca Transilvania's PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Banca Transilvania ranks #1372 out of 1517 companies for PB Ratio. This places Banca Transilvania in the lower half of its industry. The industry median PB Ratio is 1.10. Banca Transilvania's value of 0.11 is 90% below this benchmark. Historically, Banca Transilvania's own PB Ratio has ranged from 1.02 to 2.14 over the past decade. While the company's 10-year median is 1.51 vs. the industry median of 1.10, Banca Transilvania has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banca Transilvania's current PB Ratio of 0.11 is 90% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Banca Transilvania and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banca Transilvania's current PB Ratio is 0.11, which is 93% below median its own 10-year median of 1.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banca Transilvania stock overvalued right now?
Based on GuruFocus' analysis, Banca Transilvania (LTS:0DP9) is currently considered Possible Value Trap. The stock's GF Value™ is lei1.66, compared to a current price of lei2.13 — trading 28% above its estimated fair value. The current PB Ratio is 0.11, which is 93% below median its 10-year median of 1.51 and 90% below the Banks industry median of 1.10. Banca Transilvania's overall GF Score™ is 78/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Banca Transilvania (LTS:0DP9), the current PB Ratio is 0.11 as of Jul. 04, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Banca Transilvania (LTS:0DP9) Overvalued in 2026?
Based on GuruFocus' analysis, Banca Transilvania stock appears to be overvalued.
The current stock price of lei2.13 is trading 28% above its estimated GF Value™ of lei1.66.
GuruFocus considers Banca Transilvania to be Possible Value Trap.
Key valuation signals for LTS:0DP9:
PB Ratio: 0.11 (93% below median its 10-year median of 1.51)
GF Value™: lei1.66 vs. price of lei2.13 (28% above fair value)
Industry Position: 90% below the Banks median (#1372 of 1517)
No single metric tells the full story. See the LTS:0DP9 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banca Transilvania SA Is a bank for entrepreneurs in Romania. It provides banking products and services to corporate and retail clients and its operation format is broken down into various segments which include Large and medium corporate customers, Small and medium-sized enterprises, Micro business clients, Retail, Treasury, Leasing, and customer finance, and others. The group takes an active role in offering products and services such as lending services, cash management services, asset management, investment, mortgage, deposits, card services, internet banking, tax assistance, and financial services for a medical specialty. Besides, the firm also offers financial investment management, brokerage service, factoring, and real estate services.
78GF Score
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